Coordinated FINRA/SEC-registered fiduciary wealth management, CPA/PFS tax-integrated portfolio advisory, and CERTIFIED FINANCIAL PLANNER™ (CFP®) retirement planning corridor serving Lafayette County retirees in Mayo (32066) and Day (32013): (1) Through First Federal Bank's Mayo Branch (360 W Main St, Mayo, FL 32066, (386) 294-1255), its Live Oak branches (10085 S US Hwy 129 & 804 S Ohio Ave, Live Oak, FL 32064, (386) 364-5505 / (386) 362-3433), and its Lake City headquarters corridor (4705 & 4641 W US Hwy 90, Lake City, FL 32055, (386) 755-0600 / (386) 755-2260), Lafayette County seniors access First Federal Wealth Management & aligned independent practice Moses Wealth Advisors of Raymond James (https://www.raymondjames.com/moseswealthadvisors; offering securities through Raymond James Financial Services, Inc., FINRA/SIPC Firm CRD #6694, and fiduciary investment advisory services through SEC-registered Raymond James Financial Services Advisors, Inc., Firm CRD #149018 / SEC File #801-69815; historical First Federal Financial Services Corp. CRD #110306). The Raymond James advisory team—co-founded by First Federal Bank Board Director Philip J. Moses Jr., CPA/PFS and led by AICPA Personal Financial Specialist Tammy D. Hall, CPA/PFS (CRD #4291992), CERTIFIED FINANCIAL PLANNER™ Clarence E. 'Charlie' Brown III, CFP® (CRD #3138130), Charles D. Cowen Jr., CPA, CPFA (CRD #5247409), and Managing Director Austin Moses, AAMS® (CRD #6671771)—combines institutional portfolio management with CPA tax optimization; and (2) Located 21 miles north of Mayo on State Road 51 in Live Oak at 909 N Ohio Avenue / 208 S Ohio Avenue, Live Oak, FL 32064 ((386) 362-7101 / (386) 364-4822, https://www.gunterfinancial.com), Gunter Financial Services, Inc. (Florida Sunbiz Document #P11000079389) is an independent multi-generational practice led by father-and-son advisors Herman Gunter III (CRD #1385603, 39+ years experience since 1985, 0 regulatory disclosures) and CERTIFIED FINANCIAL PLANNER™ Herman Gunter IV, CFP® (CRD #4392916, 23+ years experience since 2001, 0 regulatory disclosures), dually registered with SEC-registered investment adviser Independent Financial Partners (Firm CRD #125112 / SEC #801-69511) & IFP Securities, LLC (CRD #297287) / Kovack Advisors. Both teams specialize in Florida Retirement System (FRS) Pension Option 1–4 survivor analysis, tax-free FRS DROP lump-sum rollovers for Lafayette County School District educators and Mayo Correctional Institution / state employees, agricultural and timberland sale proceeds reinvestment, Required Minimum Distribution (RMD) sequencing, and Medicare Part B/D IRMAA surcharge control (acceptsMedicaid: false).
Official Verification Sources: Moses Wealth Advisors of Raymond James (CRD #6694 / #149018) — Official Portal; SEC IAPD / FINRA BrokerCheck — Herman Gunter IV, CFP® (CRD #4392916) & Herman Gunter III (CRD #1385603); First Federal Bank — Mayo (360 W Main St) & Live Oak / Lake City Locations
Issuer: U.S. Securities and Exchange Commission (SEC), FINRA, CFP Board & Florida DBPR Board of Accountancy
Notes: Verified 2026-10-26 via SEC IAPD & FINRA BrokerCheck: Serves First Federal Bank clients in Mayo (360 W Main St, (386) 294-1255), Live Oak (10085 S US Hwy 129 & 804 S Ohio Ave, (386) 364-5505), and Lake City (4705 & 4641 W US Hwy 90, (386) 755-2260).
Issuer: U.S. Securities and Exchange Commission (SEC), FINRA & Certified Financial Planner Board of Standards
Notes: Verified 2026-10-26 via SEC IAPD: Father-and-son fiduciary team Herman Gunter III (CRD #1385603, 39+ yrs exp., 0 disclosures) and Herman Gunter IV, CFP® (CRD #4392916, 23+ yrs exp., 0 disclosures) serve Suwannee and Lafayette County retirees 21 miles north of Mayo on SR-51 in Live Oak ((386) 362-7101 / (386) 364-4822).
Factual details and direct answers about First Federal Wealth Management / Moses Wealth Advisors (Raymond James CRD #6694 / #149018) & Live Oak / Lake City Fiduciary Wealth Corridor Serving Mayo (Gunter Financial CFP®)'s services, licensing, and credentials.
Can retirees banking at First Federal Bank on West Main Street in Mayo access Raymond James fiduciary wealth advisors and CPA/PFS specialists?
Yes. Through First Federal Bank's Mayo branch at 360 W Main Street ((386) 294-1255), its Live Oak corridor offices (10085 S US Hwy 129 & 804 S Ohio Ave, (386) 364-5505), and Lake City headquarters / Moses Wealth Advisors of Raymond James (4641 W US Hwy 90, (386) 755-2260), Lafayette County retirees can coordinate fiduciary investment management through SEC-registered Raymond James Financial Services Advisors, Inc. (CRD #149018 / SEC #801-69815) and Raymond James Financial Services, Inc. (CRD #6694) with a team that includes CFP® professional Clarence E. Brown III (CRD #3138130) and CPA/PFS advisor Tammy D. Hall (CRD #4291992).
Which independent CERTIFIED FINANCIAL PLANNER™ (CFP®) fiduciary firm in Live Oak specializes in FRS DROP rollovers and multi-generational farm wealth for Lafayette County families?
Located 21 miles north of Mayo on State Road 51 in Live Oak (909 N Ohio Ave / 208 S Ohio Ave, Live Oak, FL 32064, (386) 362-7101 / (386) 364-4822), Gunter Financial Services, Inc. (Sunbiz #P11000079389) is led by Herman Gunter III (CRD #1385603, advising Suwannee Basin families since 1985 with 0 disclosures) and Herman Gunter IV, CFP® (CRD #4392916, advising since 2001 with 0 disclosures) through SEC-registered Independent Financial Partners (CRD #125112 / SEC #801-69511).
Connect with complementary legal, financial, and residential providers serving seniors in Mayo and Lafayette County.
Lafayette County Courthouse Probate, Guardianship & Homestead Registry — Clerk of Circuit Court Hon. Steve Land, County Judge Hon. Darren K. Jackson, County Attorney Leenette W. McMillan, Esq., Property Appraiser Wayne 'Bucky' McCray, CFA & 3rd Circuit Public Guardian
Mayo, Lafayette County
(386) 294-1600
Suwannee River Economic Council, Inc. (SREC — Sunbiz #709611) HUD Section 8 Housing Choice Voucher Registry & Adjacent Live Oak Housing Authority (HUD PHA #FL054) / North Central Florida Regional Housing Authority (#FL139)
Mayo, Lafayette County
(386) 294-2202
Lafayette Nursing and Rehabilitation Center (60-Bed Skilled Nursing, Post-Acute Rehab & Memory Care — Mayo)
Mayo, Lafayette County
(386) 294-3300
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Fiduciary Financial Planners in Florida →
How to verify SEC IAPD, FINRA BrokerCheck, CFP®, and CPA/PFS credentials for wealth managers serving Lafayette County.
Senior Citizen Benefits in Florida →
Structuring tax-free FRS DROP rollovers, RMD schedules, and Social Security claiming strategies in Mayo and Day.
Lafayette State Bank — Mayo Headquarters Branch (FDIC Cert #16396 / #16266, Sunbiz #705561) & First Federal Bank — Mayo Branch (FDIC Cert #31313 / #31307, Sunbiz #P17000083684)
Mayo, Lafayette County
Capital City Trust Company (FL OFR #70239), Capital City Bank & Investments (FDIC #9622 — Branford & Live Oak) & Ameris Bank (FDIC #16480) — Suwannee Basin Corporate Fiduciary & Trust Corridor
Mayo, Lafayette County
Tina B. Singletary, CPA, Inc. (Sole In-County Mayo CPA — DBPR #AD0019894), Powell & Jones, CPAs, Odom, Moses & Company, LLP & Collins & Company, CPAs — Fiduciary Estate, Farm & Retirement Tax Corridor
Mayo, Lafayette County
Lafayette County Farm Bureau (1272 W US Hwy 27, Mayo) & Hart Insurance Agency, Inc. (248 W Main St, Mayo) — In-County Fixed Annuities, Estate Liquidity & F.S. § 627.4554 Senior Protection
Mayo, Lafayette County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.